We live in uncertain times. For instance, a person can be working and making a good living one day, and the situation can change in an instant. A fall at work. A mechanical accident that causes you to lose the full use of your dominant hand. With that accident, what was once a stable income can evaporate in just a day. With the help of long and short term disability insurance, however, the injured party has access to several resources. From paying for doctor’s bills and physical and occupational therapy appointments, to making sure that the injured party has a back up income to pay daily bills. And while life insurance plans help families recover when a life is lost, short term disability insurance benefits help individuals recover when a life is limited by injury.What is sho